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Bowls and Racquet Club Insurance – Policy 1IntroductionYour policy is underwritten by Allianz Insurance plc (and Allianz Global Corporate and Specialty AG in respect of Section 13)and is made up of several parts which must be read together as they form your contract. Please take time to read all parts ofthe Policy to make sure they meet your needs and that you understand the terms, exclusions and conditions. If you wish tochange anything or if there is anything you do not understand, please let Sutton Winson Ltd or the Allianz office that issuedyour policy know - adjustments can be made and we will be pleased to help.The parts of the policy are:● this Introduction; the Policy Definitions; the Insuring Clause; the General Exclusions and General Conditions, all of whichapply to all sections of the Policy● the Sections of cover, including the Section Conditions and Special Conditions which apply to the Section● the Schedule, which includes all clauses applied to the Policy while the Policy is in force.Any word or expression in the Policy which has a specific meaning has the same specific meaning wherever it appears in thePolicy.Thank you for choosing Allianz.Andrew TorranceChief Executive, Allianz Insurance plc

2 Bowls and Racquet Club Insurance – PolicyContentsPolicy Definitions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3Insuring Clause . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4General Exclusions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5-6General Conditions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7Cover ProvidedSection 1 – Civil Liability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8-15Section 2 – Directors and Officers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16-21Section 3 – Employers Liability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22-24Claims Handling . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25Claims Handling Centres . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26Complaints Procedure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27

Bowls and Racquet Club Insurance – Policy 3Policy DefinitionsThe following definitions apply to this Policy, unless amended by Section Definitions.PolicyThe document described in the IntroductionSection/SectionsThe parts of this Policy that detail the insurance cover provided for each individual Section of this PolicyScheduleThe part of this Policy that details proposal and other information forming the basis of this contract and that shows theSections of this Policy selectedThe InsurerAllianz Insurance plcThe InsuredThe Insured named and shown in the ScheduleWhere the Insured name shown in the Schedule is not a recognised corporate legal entity, the name shall be prefixed by thewords 'The Officers and Committee Members for the time being of'Period of InsuranceThe period from the Effective Date to the Renewal Date as shown in the ScheduleBusinessThe sporting activities as stated under Business Description in the Schedule and the non playing activities of the Insured’ssport specified in the SchedulePremisesThe Premises stated in the ScheduleSum InsuredThe maximum amount the Insurer will pay for each item insured under any SectionTotal Sum InsuredThe total amount payable by the Insurer under any SectionExcessThe first part of each and every claim, for which the Insured is responsible

4 Bowls and Racquet Club Insurance – PolicyInsuring ClauseThe Statement of Fact or any information supplied by or on behalf of the Insured forms the basis of this contract betweenthe Insured and the Insurer.In consideration of payment of the premium the Insurer will indemnify or otherwise compensate the Insured against loss,destruction, damage, injury or liability (as described in and subject to the terms, conditions, limits and exclusions of this Policyor any Section of it) occurring or arising in connection with the Business during the Period of Insurance or any subsequentperiod for which the Insured pays and the Insurer agrees to accept a renewal premium.Signed on behalf of AllianzAndrew TorranceChief Executive, Allianz Insurance plc

Bowls and Racquet Club Insurance – Policy 5General ExclusionsThis Policy does not cover1. Radioactive ContaminationLoss or destruction of or damage to any propertywhatsoever or any loss or expense whatsoever resulting orarising therefrom or any consequential loss or any legalliability of whatsoever nature directly or indirectly causedby or contributed to by or arising froma. ionising radiations or contamination by radioactivityfrom any nuclear fuel or from any nuclear wastefrom the combustion of nuclear fuelb. the radioactive, toxic, explosive or other hazardousproperties of any explosive nuclear assembly ornuclear component thereof.2. War (Not applicable to the Employers’ Liability Section)Loss, destruction, damage, death, injury, disablement orliability or any consequential loss occasioned by war,invasion, act of foreign enemy, hostilities (whether war bedeclared or not), civil war, rebellion, revolution, insurrectionor military or usurped power.3. Terrorism(Not applicable to Employers Liability, Public Liability,Products Liability, Personal Accident, or Terrorism[when insured as a separate section] Sections)a. in respect of England, Wales and Scotland but notthe territorial seas adjacent thereto as defined by theTerritorial Sea Act 1987 :loss or destruction or damage or any consequential loss ofwhatsoever nature, directly or indirectly caused by, resultingfrom or in connection withi. any Act of Terrorism, regardless of any othercause or event contributing concurrently or inany other sequence to such Act of Terrorismii. any action taken in controlling, preventing orsuppressing any act of Terrorism, or in any otherway related to such Act of TerrorismIn respect of a.) above an Act of Terrorism (Terrorism)means:-Acts of persons acting on behalf of, or in connection with,any organisation which carries out activities directedtowards the overthrowing or influencing, by force orviolence, of Her Majesty’s government in the UnitedKingdom or any other government de jure or de facto.b. in respect of territories other than those stated in a.)above:loss or destruction or damage or any consequential loss ofwhatsoever nature, directly or indirectly caused by, resultingfrom or in connection withi. any act of Terrorism, regardless of any othercause or event contributing concurrently or inany other sequence to such act of Terrorismii. any action taken in controlling, preventing orsuppressing any act of Terrorism, or in any otherway related to such act of TerrorismIn respect of b.) above an act of Terrorism (Terrorism)means:-An act, including but not limited to the use of force orviolence and/or the threat thereof, of any person orgroup(s) of persons whether acting alone or on behalf of orin connection with any organisation(s) or government(s),committed for political, religious, ideological or similarpurposes including the intention to influence anygovernment and/or to put the public or any section of thepublic in fear.In any action, suit or other proceedings where the Insureralleges that by reason of this exclusion any loss ordestruction or damage or any consequential loss is notcovered (or is covered only up to a specified limit ofliability), the burden of proving to the contrary shall beupon the Insured.In the event any part of this exclusion is found to be invalidor unenforceable, the remainder shall remain in full forceand effect.4. E.Risks Exclusion(Not applicable to Employers Liability, Public Liability,Products Liability, Personal Accident Sections)a. loss or destruction of or damage to any ComputerEquipment (as defined below) consisting of or causeddirectly or indirectly by:i. programming or operator error whether by theInsured or any other personii. Virus or Similar Mechanism (as defined below)ii. Hacking (as defined below)iv. malicious personsv. failure of external networksunless, in respect of i, ii. and iii. above, such loss ordestruction or damage results from a concurrent orsubsequent cause not excluded by this or any other policyexclusion

6 Bowls and Racquet Club Insurance – PolicyGeneral Exclusionsb. any financial loss or expense of whatsoever nature,including but not limited to business interruption,resulting directly or indirectly from the type of loss ordestruction or damage described in paragraph 1. of thisExclusionunless, in respect of a. i,ii, or iii above, the financial loss orexpense results from a concurrent or subsequent cause notexcluded by this or any other policy exclusionc. loss or destruction of or damage to any property otherthan Computer Equipment where it arises directly orindirectly out of loss or destruction of or damage to anyComputer Equipment of the type described in paragraph1. of this Exclusionunless, in respect of loss or damage to other propertyarising from a. i, ii. or iii. above, resulting from a concurrentor subsequent cause not excluded by this or any otherpolicy exclusiond. loss or destruction of or damage either to ComputerEquipment or any other property where it consists of orarises directly or indirectly out of:i. the erasure, loss, distortion, corruption orunauthorised access to or modification ofinformation on computer systems or other records,programs or software by rioters, strikers, locked-outworkers, persons taking part in labour disturbancesor civil commotions, or malicious personsii. the erasure, loss, distortion, corruption orunauthorised access to or modification ofinformation on computer systems or other records,programs or software due to any cause not includedin d.i. aboveiii. any misinterpretation, use or misuse of informationon computer systems or other records, programs orsoftwareunless, in respect of d ii and iii above, such loss, destructionor damage results from a concurrent or subsequent causenot excluded by this or any other policy exclusione. any financial loss or expense of whatsoever nature,including but not limited to business interruption, whereit arises directly or indirectly from the type of loss ordestruction or damage described in paragraphs c and dof this exclusionunless, in respect of c, d. ii. and iii. above, the financial lossor expense results from a concurrent or subsequent causenot excluded by this or any other policy exclusion.For the purpose of this exclusion:Computer Equipmentmeans computer equipment, component, system or itemwhich processes, stores, transmits or retrieves data, or anypart thereof, whether the property of the Insured or not,whether tangible or intangible and including withoutlimitation any information, programs or software.Virus or Similar Mechanismmeans any program code, programming instruction or otherset of instructions intentionally constructed with the abilityto damage, interfere with or otherwise adversely affectcomputer programs, data files or operations (whetherinvolving self replication or not), including but not limitedto ‘Trojan Horses’, ‘Worms’ or ‘Logic Bombs’.Hackingmeans unauthorised access to any computer or computerequipment, component, system or item, whether theproperty of the Insured or not, which processes, stores,transmits or retrieves data.

Bowls and Racquet Club Insurance – Policy 7General Conditions(Not applicable to the Legal Expenses Section where theSection Conditions replace the General Conditions statedbelow.)1. Policy VoidableThis Policy shall be voidable in the event ofmisrepresentation, misdescription or non-disclosure of anymaterial particular.2. Reasonable PrecautionsThe Insured shall take all reasonable care to preventaccidents and any injury, loss, destruction or damage andshall take all reasonable steps to observe and comply withstatutory or local authority laws, obligations andrequirements3. ClaimsThe Insured shall in the event of any injury, loss,destruction, damage or consequential loss as a result ofwhich a claim is or may be made under this Policy or anySection of it, and again upon receipt by the Insured inwriting of any notice of any claim or legal proceeding,a. notify the Insurer as soon as reasonably possibleb. pass immediately, and unacknowledged, any letter ofclaim to the Insurerc. notify the Insurer immediately upon being advisedof any prosecution, inquest or enquiry connectedwith any injury, loss, destruction, damage orconsequential loss which may form the subject of aclaim under this Policyd. notify the police as soon as it becomes evident thatany loss, destruction or damage has been caused bytheft or malicious personse. carry out and permit to be taken any action whichmay be reasonably practicable to prevent furtherloss, destruction, damage or consequential lossf. retain unaltered and unrepaired anything in any wayconnected with the injury, loss, destruction, damageor consequential loss for as long as the Insurer mayreasonably requireg. furnish within a reasonable time at the Insured’sexpense such further particulars and information asthe Insurer may reasonably requireh. make available at the Insured’s expense anydocuments required by the Insurer with regard toany letter of claimi. not pay or offer or agree to pay any money or makeany admission of liability without the previousconsent of the Insurerj. allow the Insurer in the name of and on behalf ofthe Insured to take over and, during such periods asthe Insurer thinks proper, to have the absoluteconduct and control of all negotiations andproceedings which may arise in respect of any claimand the settlement thereof and co-operate fully withthe Insurer for that purpose.No claim under this Policy shall be payable unless the termsof this General Condition have been complied with and anypayment on account of a claim already made shall be repaidto the Insurer.4. CancellationThe Insurer may cancel this Policy by giving the Insuredthirty (30) days notice at their last known address. Providedthe premium has been paid in full and no claim has beenmade during the Period of Insurance the Insured shall beentitled to a proportionate rebate of premium in respect ofthe unexpired Period of the Insurance. For cancellationfollowing default in payment of the premium or any agreedinstalment the period of notice may be reduced to seven (7)days.5. FraudIf a claim is fraudulent in any respect or if fraudulentmeans are used by the Insured or anyone acting on behalfof the Insured to obtain any benefit under this Policy, or ifany injury, loss, destruction or damage is caused by thewilful act or the connivance of the Insured, all benefitunder this Policy shall be forfeited.6. Discharge of Liability (Not applicable to the Employers’Liability Section)The Insurer may absolve itself from any further liability inconnection with any occurrence or all occurrences of aseries consequent on or attributable to one source ororiginal cause by the payment of the specified limit ofliability in respect thereof (after deducting therefrom anysums already paid) or by the payment of any balance of anymaximum limit of liability for any one Period of Insurancewhichever is the less, together with the amount of anycosts and expenses to the date of such payment.7. Law ApplicableUnless agreed otherwise by the Insurera. the language of the Policy and all communicationsrelating to it will be English; andb. all aspects of the Policy including negotiation andperformance are subject to English law and thedecisions of English courts.8. Rights of PartiesSave as set out herein a person or company who was not aparty to this Policy has no right under the Contracts (Rightsof Third Parties) Act 1999 or any subsequent legislation toenforce any term of this Policy but this does not affect anyright or remedy of a third party which exists or is availableapart from such Act.

8 Bowls and Racquet Club Insurance – PolicySection 1 – Civil LiabilityDefinitions1. Injurya. Bodily injury, death, disease, illness, mental injury,mental anguish or nervous shockb. invasion of the right of privacy, false arrest, falseimprisonment, false eviction or malicious prosecutionof any person2. Employeea. Any person under a contract of service orapprenticeship with the Insuredb. any of the following persons whilst working for theInsured in connection with the Businessi. any labour master or labour only subcontractoror person supplied by himii. any self-employed person providing labour onlyiii. any trainee or person undergoing workexperienceiv. any voluntary helperv. any person who is borrowed by or hired to theInsured3. BusinessThe Business specified in the Schedule conducted solelyfrom Great Britain, Northern Ireland, the Isle of Man orthe Channel Islands and includinga. the ownership, maintenance and repair of Premisesused in connection therewithb. the provision and management of canteen, social,sports or welfare organisations for the benefit ofEmployees and the ambulance, first aid, fire, medicaland security services of the Insuredc. the execution of private duties by Employees for anypartner, director or senior official of the Insured4. Territorial Limitsa. Great Britain, Northern Ireland, the Isle of Man andthe Channel Islandsb. any other member country of the European Unionc. elsewhere in the world in respect of Injury, loss ordamage caused by or arising fromi. non-manual activities of any partner, director orEmployee of the Insured normally resident withinthe territories specified in Definition 4.a. aboveand occurring during any journey or temporaryvisitii. Products5. ProductsAny goods, other property (including their containers,packaging, labelling and instructions for use) or servicessold, supplied, delivered, installed, erected, repaired,altered, treated or tested by the Insured in connectionwith the Business and not in the charge or control ofthe Insured6. Pollution or Contaminationa. All pollution or contamination of buildings or otherstructures or of water or land or the atmosphere;andb. all Injury, loss or damage directly or indirectly causedby such pollution or contamination.All Pollution or Contamination which arises out of oneincident shall be deemed to have occurred at the timesuch incident takes place7. Offshore Installationsa. Any installation in the sea or tidal waters which isintended for underwater exploitation of mineralresources or exploration with a view to suchexploitationb. any installation in the sea or tidal waters which isintended for the storage or recovery of gasc. any pipe or system of pipes in the sea or tidal watersd. any installation which is intended to provideaccommodation for persons who work on or fromthe locations specified in Definition 7.a, 7.b, or7.c aboveCoverThe Insurer will indemnify the Insured against legal liabilityto pay compensation and claimants' costs and expenses inrespect of accidental1. Injury to any person2. loss of or damage to material property3. nuisance, trespass, obstruction or interference with anyright of way, light, air or wateroccurring within the Territorial Limits in connection withthe Business and arising out ofa. any claimb. the notification of any circumstances which has causedor is alleged to have caused Injury loss or damage whichisi. first made in writing to the Insured during the Period ofInsurance andii. notified to the Insurer during the same Period ofInsurance or within 30 days of the expiry of such Periodof InsuranceIn addition the Insurer will pay costs and expenses incurredby the Insurer or with the written consent of the Insurera. in connection with the defence of any claimb. for representation of the Insuredi. at any coroner's inquest or fatal accident inquiry inrespect of deathii. at proceedings in any court of summary jurisdiction oron indictment in any higher court in respect of anyalleged breach of statutory duty resulting in Injury, lossor damagewhich may be the subject of indemnity under this Section.

Bowls and Racquet Club Insurance – Policy 9Section 1 – Civil LiabilityLimit of Indemnity1. The Insurer's liability for all compensation payable inrespect ofa. any one occurrence or all occurrences of a seriesconsequent on or attributable to one source ororiginal causeb. all claims first made against the Insured and notifiedto the Insurer during any one Period of Insurancecaused by and arising from Productsc. all claims first made against the Insured and notifiedto the Insurer during any one Period of Insurancecaused by and arising from Pollution orContaminationd. all claims first made against the Insured and notifiedto the Insurer during any one Period Of Insurancecaused by and arising from Libel and Slander asreferred to in Section Extension 14shall not exceed the Limit of Indemnity stated in theSchedule.2. In respect of all claims against the Insured made withinthe legal jurisdiction of the United States of America orCanada or any dependency or trust territory the Limit ofIndemnity shall be inclusive of the amount of alla. claimants' costs and expensesb. costs and expenses incurred by the Insurer or withthe written consent of the Insurer in connectionwith the defence of such claims.3. Terrorism Limit of IndemnityIn respect of an act of Terrorism the Limit of Indemnityshall not exceed the Limit of Indemnity shown in theSchedule or £5,000,000 (whichever is the lesser). For thepurposes of this limitation the Definition of an act ofTerrorism is:an act including but not limited to the use of force orviolence and/or threat thereof of any person or group(s)of persons whether acting alone or on behalf of or inconnection with any organisation(s) or government(s)committed for political religious ideological or similarpurposes including the intention to influence anygovernment and/or to put the public or any section ofthe public in fear.If the Insurer alleges that by reason of this limitationany loss damage cost or expense is not covered theburden of proving the contrary shall be upon theInsured.ExclusionsThis Section does not cover1. Injury to Employeesliability in respect of Injury to any Employee arising outof and in the course of the employment or engagementof such person by the Insured.2. Work on Offshore Installationsliability in respect of Injury, loss or damage arising inconnection with work on or travel to or from OffshoreInstallations.3. Fines, penalties, liquidated, punitive, exemplary oraggravated damagesliability in respect ofa. fines, penalties or liquidated damagesb. punitive, exemplary or aggravated damages or anydamages resulting from the multiplication ofcompensatory damages.4. Pollution or Contaminationliability in respect ofa. Pollution or Contamination occurring in the UnitedStates of America or Canada or any dependency ortrust territoryb. Pollution or Contamination occurring elsewhereunless caused by a sudden identifiable unintendedand unexpected incident which takes place in itsentirety at a specific time and place during thePeriod of Insurance.5. Mechanically Propelled Vehiclesliability arising out of the ownership, possession or useby or on behalf of the Insured of any mechanicallypropelled vehicle (or trailer attached thereto) which isrequired by any road traffic legislation to be the subjectof compulsory insurance or other security but thisExclusion shall not applya. while such vehicle is being used as a tool of trade(other than in respect of liability which iscompulsorily insurable under road traffic legislation)b. in respect of the loading or unloading of suchvehicle or the delivery or collection of goods to orfrom such vehicleexcept where more specifically insured by any other policy.6. Vessels or Craftliability arising out of the ownership, possession or useby or on behalf of the Insured of any vessel or craftdesigned to travel in, on or through water, air or space(other than hand-propelled watercraft).7. Property in the charge or control of the Insuredliability in respect of loss of or damage to any propertybelonging to or in the charge or control of the Insuredother thana. personal effects or vehicles of any partner, directoror Employee of or visitor to the Insuredb. premises (and their contents) not belonging, leased,rented or hired to the Insured but temporarily in thecharge of the Insured for the purpose of carryingout workc. Premises (including their fixtures and fittings) leased,rented or hired to the Insured but this Section does

10 Bowls and Racquet Club Insurance – PolicySection 1 – Civil Liabilitynot cover liability attaching to the Insured solelyunder the terms of any tenancy or other agreement.8. Damage to Goods Suppliedliability in respect ofa. loss of or damage to any goods or other propertysold, supplied, delivered, installed or erected by or onbehalf of the Insuredb. all costs of or arising from the need for makinggood, removal, repair, rectification, replacement orrecall ofi. any such goods or propertyii. any defective work executed by or on behalf ofthe Insuredexcept that 8.a. and 8.b.i above shall not apply toliability in respect of loss of or damage to the saidgoods or property if such loss or damage is caused by orarises fromA. any alteration, repair or servicing work executedB. any other goods or property sold, supplied, delivered,installed or erectedby the Insured under a separate contract.9. Productsin respect of Injury, loss or damage caused by or arisingfrom Productsa. any liability which attaches to the Insured solelyunder the terms of an agreement other thani. under any warranty of goods implied by lawii. under any indemnity clause in any agreementbetween the Insured and any independent carrierin respect of Injury, loss or damage caused byProducts entrusted to such carrier for transit byroad, rail or waterwayb. any Product installed or incorporated in any craftdesigned to travel in or through air or space andwhich to the Insured's knowledge was intended tobe installed or incorporated in any such craftc. any claim made against the Insured in any countryoutside the European Union in which the Insuredoccupy premises or are represented by any residentEmployee or holder of the Insured's power ofattorney.10. Contract Works and J.C.T. Clause 21.2.1liability in respect of loss of or damage to any propertya. comprising or to be incorporated in the contractworks in respect of any contract undertaken by theInsuredb. against which the Insured are required to effectinsurance under the terms of Clause 21.2.1. of theJ.C.T. (R.I.B.A.) Conditions of Contract or of any othercontract condition requiring insurance of a like kind.11. Products to the United States of America or Canadaliability in respect of Injury, loss or damage caused by orarising from any Product exported by the Insured orwith their knowledge to the United States of America orCanada.12.Excessthe amount of the Excess shown in the Schedule.13.Retroactive Dateliability in respect of Injury loss or damage occurringprior to the retroactive date stated in the Schedule14.Repair of Defects in Previously Owned Premisescosts of remedying any defect or alleged defect inpremises disposed of by the Insured.15.Medical Negligencein respect of claims for breach of professional duty byany medical practitioner or dental practitioner whileworking in a professional capacity consequent upon anyneglect error or omission in providing medical advicetreatment or prescriptions16.Firework and Bonfireliability in respect of Injury, loss or damage caused by orarising from any firework or bonfire unlessi. the Police and Fire Brigade authorities are consultedat least 7 days before the proposed event and theirrecommendations strictly adhered toii there is at least 1 steward in attendance for every100 spectators for the duration of the eventiii all spectators are kept behind an adequate barrier atall times, and the barrier is at least 25metres fromthe fireworks or bonfireiv qualified First Aid personnel are in attendance withthe means available to summon the EmergencyServices.17.Sun Beds, Solariums, Sauna and Turkish Bathsliability in respect of Injury, loss or damage caused by orarising from any sun bed or solarium unlessa. the operation of the solarium or sun-bed equipmentor sauna or Turkish baths or hydro massage facilitiesand all control of them is under the supervision ofthe Insured or an experienced Employee who shallensure that the customer or user is fully aware ofand complies with the published instructions andrecommendations of the manufacturers of suchequipment including all instructions andrecommendations regarding exposure time bathingdistance variomatic filter setting frequency ofexposure the wearing of protective goggles andavoiding the use of body lotionb. on every occasion prior to the use of any solarium orsun-bed involving the release of ultra violet rays theInsured or an experienced Employee shall check thatto the knowledge of the customer or user thereof

Bowls and Racquet Club Insurance – Policy 11Section 1 – Civil Liabilitythey are noti. pregnantii. suffering from high or low blood pressure or anycirculation disorder or from any skin allergyiii. taking tranquillisers or antibiotics or antituberculardrugs or anti-fungal agent or anyanti-depressantsc. such equipment is inspected and maintained by acompetent person in accordance with themanufacturers published instructions.18.Computer Date Recognitionliability arising directly or indirectly from the failure ofany computer or other equipment or system forprocessing, storing or retrieving data, whether theproperty of the Insured or not, and whether occurringbefore, during or after the year 2000, to achieve any orall of the purposes and consequential effects intendedby the use of any number to denote a date includingthe failure correctly to recognise any date as its truecalender datei. to recognise, capture, save, retain, restore and/orcorrectly to manipulate, interpret, calculate orprocess any data or information or command orinstruction as a result of treating any date otherwisethan as its true calender dateii. to recognise, capture, save, retain, restore and/orcorrectly to manipulate, interpret, calculate orprocess any data or information as a result of theoperation of any command which has beenprogrammed into any computer software orfirmware, being a command which causes the loss ofdata or the inability to recognise, capture, save,retain, restore or correctly to manipulate, interpret,calculate or process any data on or after any date.Section ExtensionsThese Section Extensions are subject otherwise to the terms,Exceptions and Conditions of this Policy.1. Indemnity to Other PartiesIf the Insured so request the Insurer will indemnify thefollowing partiesa. any officer or committee member or other memberof the Insured's canteen, social, sports or welfareorganisations or ambulance, first aid, fire, medical orsecurity services against liability incurred in suchcapacityb. any partner, director, officer, official or Employee ofthe Insured and any coach, leader or instructoragainst liability incurred in such capacity and inrespect of which the Insured would have beenentitled to indemnity under this Section if the claimhad been made against the Insuredc. each individual member of the Insured club whileengaged in club activities and any guest but onlywhere indemnity is not provided by any otherinsuranced. any owner of plant hired to the Insured but only tothe extent required by the conditions of the contractor agreement of hiree. any sports or recreational Governing Body, club orMemberf. any business or organisation involved with theprovision of sport or recreation activitiesas though each party were individually named as theInsured in this Sectiong. any principal for whom the Insured have agreed toexecute work under contract or agreement againstliability arising out of the performance of such workby the Insured and in respect of which the Insuredare legally liable and would have been entitled toindemnity under this Section if the claim had beenmade against the InsuredProvided thati. each such party shall observe fulfil and be subject to theterms and conditions of this Section in so far as theycan applyii. the Insurer's liability to the Insured and all partiesindemnified shall not exceed in total the Limit ofIndemnity specified in the Schedule.2. Joint Insured - Cross LiabilitiesIf more than one party is named as the Insured thisSection shall apply as though each were insuredseparately provided that the Insurer's liability to allparties indemnified shall not exceed in total the Limit ofIndemnity shown in the Schedule.3. Overseas Personal LiabilityThe Business is extended to include personal activities(not connected with any gainful occupation orprofession nor with the ownership or tenure of any landor building) ofa. any partner, director or Employee of the Insured orfamily member of such partner, director or Employeeb. each individual member of the Insured club whileengaged in club activitiesnormally resident within the territories specified inDefinition 4.a. in the course of any journey or temporaryvisit to any other country made in connection with theBusiness excluding liability for which an indemnity isprovided by any other insurance.

12 Bowls and Racquet Club Insurance – PolicySection 1 – Civil Liability4. Motor Contingent LiabilityThe Insurer will indemnify the Insured in the terms ofthis Section against liability arising out of the use inconnection with the Business of any vehicle not owned,provided or being driven by the Insured but this Sectiondoes not cover liabilitya. in respect of loss of or damage to such vehicleb. arising out of any such use in any country outsidethe European Unionc. incurred by any party other than the Insuredd. incurred by any party identified in Section Extension1. (Indemnity to Other Parties) other than anEmployee.For the purpose of this cover Exclusion 1. (Injury toEmployees) does not apply.5. Health and Safety at Work - Legal Defence CostsThe Insurer will indemnify the Insured and if theInsured so request any partner, director or Employee ofthe Insured in the terms of this Section in respect ofa. costs and expenses incurred with the Insurer'swritten consentb. costs and expenses of the prosecution awardedagainst any such party in connection with criminalproceedings or an appeal against conviction arisingfrom such proceedings brought in respect of anyoffence under the Health and Safety at Work etc.Act 1974 or the Health and Safety at Work(Northern Ireland) Order 1978 committed or allegedto have been committed during the Period ofInsurance in connection with the BusinessProvided thati. the proceedings relate to the health, safety orwelfare of any person other than an Employeeii. the Insurer shall have the conduct and control of allthe said proceedings and appeals.The Insurer will not pay forA. fines or penalties of any kindB. proceedings or appeals in respect of any deliberate actor omissionC. costs or expenses insured by any other insurance.6. Data ProtectionThe Insurer will indemnify the Insured and at theInsured's request any partner director or employee ofthe Insured against sums which the Insured or anydirector partner or employee of the Insured become(s)legally liable to pay as compensation for damage ordistress resulting from failure of the Insured to complywith data protection legislation and caused inconnection with the Business during the Period ofInsuranceProvided that the Insured isa. a registered user in accordance with the terms ofsuch legislationb. not in business as a data processing bureauThe total amount payable including costs and expensesunder this paragraph in respect of all claims occurringduring any one Period of Insurance is limited to£250,000The Insurer will not pay fori. any damage or distress caused by any deliberate actor omission by the Insured the result of which couldreasonably have been expected by the Insuredhaving regard to the nature and circumstances ofsuch act or omissionii. any damage or distress caused by any act of fraud ordishonestyiii. the costs and expenses of rectifying rewriting orerasing dataiv. liability arising from the recording processing orprovision of data for reward or to determine thefinancial status of any personv. the payment of fines or penalties.7. Defective Premises Act 1972The Insurer will indemnify the Insured in the terms ofthis Section against liability incurred by the Insuredunder Section 3 of the Defective Premises Act 1972 orSection 5 of the Defective Premises (Northern Ireland)Order 1975 in connection with premises or landdisposed of by the InsuredProvided that this Extension does not covera. the cost of rectifying any damage or defect in thepremises or land disposed ofb. liability for which the Insured is entitled toindemnity under any other insurance.8. Consumer Protection and Food Safety Acts - LegalDefence CostsThe Insurer will indemnify the Insured and if theInsured so request any partner, director or Employee ofthe Insured in the terms of this Section in respect oflegal costs and expenses incurred with the writtenconsent of the Insurer in connection with the defenceof any criminal proceedings or an appeal againstconviction arising from such proceedings brought inrespect of any offence undera. Part 2 of the Consumer Protection Act 1987orb. Section(s) 7, 8, 14, and/or 15 of the Food Safety Act1990 committed or alleged to have been committedduring the Period of Insurance in connection withthe BusinessProvided that the Insurer shall have the conduct andcontrol of all the said proceedings and appeals.The Insurer will not pay fori. fines or penalties of any kind

Bowls and Racquet Club Insurance – Policy 13Section 1 – Civil Liabilityii. proceedings or appeals in respect of any deliberateact or omissioniii costs or expenses insured by any other policy.9. Court Attendance CompensationIf during the Period of Insurance any partner, director orEmployee of the Insured is required to attend court as awitness at the request of the Insurer in connection witha claim which is the subject of indemnity under thisSection the Insurer will pay compensation to theInsured on the following scale for each day thatattendance is required:a. any director or partner £500b. any Employee £250.10. Contractual LiabilityIn respect of liability assumed by the Insured solely byvirtue of contract or agreement entered into by theInsured and which would not have attached in theabsence of such contract or agreement, the indemnityprovided by this Section shall only apply if the soleconduct and control of any claim is vested in the InsurerProvided that the Insurer shall not in any event providean indemnitya. under Exclusion 9. a. except as stated in thatexclusionb. in respect of liquidated damages or fines or damagesimposed by or payable under any penalty clause.11. Obstructing VehiclesExclusion 5 shall not apply to liability caused by orarising from any vehicle (not owned by or hired by orlent to the Insured) being driven by the Insured or byany Employee with the Insured's permission whilst suchvehicle is being moved for the purpose of allowing freemovement of any vehicle owned, hired by or lent to theInsured or any Employee of the InsuredProvided thata. movements are limited to vehicles parked on orobstructing the Premisesb. the vehicle causing the obstruction will not bedriven by any person who is not competent to drivethe vehiclec. the vehicle causing the obstruction is driven by theuse of the owner's ignition keyd. the Insurer shall not provide indemnity againstliabilityi. in respect of loss or damage to such vehicleii. in respect of which compulsory insurance orsecurity is required under any legislationgoverning the use of the vehicle.12.Extended Claims Notification RequirementsIn the event of the Insurer not inviting renewal of thisPolicy for reasons other than non-compliance with theterms of this Policy or the Insured retiring or ceasing toparticipate in the Business the Insurer, will provideindemnitya. in respect of legal liability to pay compensation andclaimants costs and expenses in respect of Injury lossor damage in connection with the Business as aresult of advice tuition or coaching provided duringany Period of Insurance and arising out of any claimwhich isi. first made in writing to the Insured andii. notified to the Insurer during the twelvecalendar months immediately following the finalPeriod of Insurance for which the Insured shallhave paid and the Insurer shall have agreed toaccept the premium as if the claim had been firstmade in writing to the Insured and notified tothe Insurer during such final Period of Insuranceb. in respect of costs for representation of the Insuredi. at any coroner’s inquest or fatal accident inquiryin respect of deathii. at proceedings in any court of summaryjurisdiction or on indictment in any higher courtin respect of any alleged breach of statutory dutyresulting in Injury loss or damage in connectionwith a) above incurred by the Insured with theInsurer’s written consent.c. for all other costs and expenses which are incurredby the Insurer or with the written consent of theInsurer in connection with the defence of any anyclaim made against the Insured and notified underthis Extension.Provided thata) the indemnity will not apply where an indemnity isprovided by any other insuranceb) the total amount payable for compensation inrespect of claims made during the final Period ofInsurance together with those made under the termsof this Extension shall not exceed the Limit ofIndemnity for the final Period of Insurance

14 Bowls and Racquet Club Insurance – PolicySection 1 – Civil Liability13.Financial LossThis Section is extended to indemnify the Insuredagainst legal liability to pay compensation andclaimants’ costs and expenses in respect of accidentalFinancial Loss sustained by the claimant within GreatBritain Northern Ireland the Isle of Man and theChannel Islands and for which any claim isa) first made in writing against the Insured during thePeriod of Insurance andb) notified to the Insurer during the same Period ofInsurance or within 30 days of the expiry of suchPeriod of InsuranceIn addition the Insurer will pay costs and expensesincurred by the Insurer or with the written consent ofthe Insurera. in connection with the defence of any claimb. at proceedings in any court of summary jurisdictionor on indictment in any higher court in respect ofalleged breach of statutory duty resulting inFinancial Losswhich may be the subject of indemnity under this extensionprovided thatA. the Insurer’s liability under this extension for allclaims first made against the Insured during any onePeriod of Insurance shall not exceed £500,000B. for the purposes of this extension Financial Lossshall mean a pecuniary loss or expense incurred byany person other than the Insured or a partnerdirector or Employee of the InsuredC. the indemnity granted by Section Extension 2 JointInsured - Cross Liabilities shall not apply to thisextensionExclusionsThis Extension does not cover1. Injury and Damageliability in respect ofa. Injury to any personb. loss or damage to any material propertyc. nuisance trespass obstruction or interference withany right of way air light or waterd. wrongful arrest detention imprisonment or evictionof any person or invasion of right of privacye. libel slander or defamation of characterf. infringement of patent copyright design trademarktrade name or any other intellectual property rights2. Contractual Liabilityliability assumed by the Insured either directly orindirectly by a contract or agreement entered into bythe Insured3. Property in the charge or control of the Insuredliability in respect of Financial Loss incurred as a resultof loss or damage to material property belonging to orin the charge or control of the Insured or failure toreturn such property4. Delays or Damage to Goods Suppliedliability in respect ofa. the costs of or arising from the need for makinggood removal repair rectification replacement orrecall of any Productsb. diminution in value of Products or work executed byor on behalf of the Insuredc. delay non-completion or non delivery of Products14.Libel and Slander LiabilityThis Section is extended to indemnify the Insuredagainst legal liability to pay compensation and claimantscosts and expenses in respect of libel slander, slander ofgoods, passing off, infringement of trademark orregistered design, or patent right infringement ofcopyright committed by the Insured in connection withthe Business and arising out ofa) any claimb) the notification of any circumstance which hascaused or is alleged to have caused Injury loss ordamagewhich isi) first made in writing to the Insured during anyPeriod of Insurance andii) notified to the Insurer during the same Period ofInsurance or within 30 days of the expiry of suchPeriod of InsuranceThe Insurer will also pay all other costs and expensesincurred on the instructions of the Insurer in connectionwith the defence of any claim under this Policy.This Extension does not cover:-1. any claim made against the Insured for passing off,infringement of trademark of registered design orpatent right or copyright in connection withcomputer software.2. any claim arising from proceedings brought againstthe Insured in a Court of Law outside Great Britain,Northern Island, Channel Islands or Isle of Man orany other member country of the European Union.

Bowls and Racquet Club Insurance – Policy 15Section 1 – Civil LiabilitySpecial Claims Conditions1. Upon the Insured becoming aware of any publication ormaterial published or statement likely to give rise toliability under this Extension and again upon receipt bythe Insured of notice of any claim whether well or illfounded the Insured shall immediately and in any casewithin 7 days give notice of the same to the Insurer andsupply a copy of such publication or material publishedtogether with any communication received from anyclaimant.2. The Insured shall not disclose the fact that they areinsured.Section Conditions1. Other InsurancesThe Insurer will not indemnify the Insured in respect ofliability which is insured by or would but for theexistence of this Section be insured by any other policyor section except in respect of any excess beyond theamount payable under such other policy or section orwhich would have been payable under such other policyor section had this Section not been effected.2. AlterationIf at any time anything shall occur or be done whichmaterially affects the risk insured the Insured shall giveimmediate notice in writing to the Insurer.3. Discharge of LiabilityThe Insurer may pay to the Insured in the event of anyone claim or series of claims arising out of oneoccurrence the specified Limit of Indemnity in respectthereof (after deducting there from any sums alreadypaid) or any lesser amount for which the claim(s) can besettled and thereafter be under no further liability inrespect of such claim or series of claims arising out ofone occurrence, except for the amount of any costs andexpenses incurred prior to the date of the payment.

16 Bowls and Racquet Club Insurance – PolicySection 2 – Directors and Officers LiabilityAllianz Global Corporate and Specialty AG (the Insurer inthis Section 13) and the Insured (as named in the PolicySchedule) agree:The Insurer will indemnify the Insured in accordance withand subject to the terms and conditions of this Section, inconsideration of the payment to the insurer of the premiumfor the Period of Insurance.The proposal made to Allianz Insurance plc by or on behalfof the Insured whether in writing or otherwise shall be thebasis of the contract.Provided that this Policy shall not be in force unless it hasbeen signed by an authorised official of the Insurer.UK Directors and Officers LiabilityThis is a Claims Made PolicyIn consideration of the payment of premium, the Insureragrees to provide insurance in accordance with the terms ofthis Policy.Section 1 Scope of Cover(a) Directors and Officers CoverageThe Insurer will pay on behalf of any Insured any Lossarising from any claim first made against them during thePolicy Period for any Wrongful Act committed by them intheir capacity as an Insured except to the extent theCompany has indemnified any such Insured in respect ofsuch Loss.(b) Company Reimbursement CoverageThe Insurer will pay on behalf of the Company any Lossarising from any claim first made against any Insuredduring the Policy Period for any Wrongful Act committedby such Insured in their capacity as an Insured to theextent the Company has indemnified the individualconcerned in respect of such Loss.Section 2 Definitions2.1 Claim shall mean:a) any written demand or written allegation of aWrongful Act against any Insured; orb) any civil or criminal suits or proceedings against anInsured; orc) any regulatory or administrative proceedings or anyother official investigation into the conduct of anInsured.d) any regulatory or administrative proceedings into theconduct of the Company only in so far as it relatesto an alleged Wrongful Act by an insuredIt is understood that any number of Claims against theInsured which arise out of or are attributable to orconnected in any way with a single Wrongful Act or aseries of the same, related or continuous Wrongful Actswhich arise from a common set of facts shall constitute asingle Claim for the purposes of this Policy.2.2 CompanyShall mean the organisation named in the Schedule and anySubsidiary thereof, including any NOT-FOR-PROFITorganisation associated with the Company.2.3DeductibleShall mean the amount stated in the Schedule. For thepurposes of determining the applicable Deductible theCompany shall be deemed to have indemnified the Insuredpersons defined in clause 2.5 (a) to (f) below to the extentthat it is permitted to do so.2.4Defence CostsShall mean :a) all legal expenses, including disbursements, reasonablyincurred by or on behalf of an Insured with the priorwritten consent of the Insurer, which shall not beunreasonably withheld, in the investigation, defence andsettlement of Claims and or appeals therefrom.b) external consultants’ costs incurred in the mitigation ofany potential Claim which may arise out of allegationsof a Wrongful Act, subject to the prior written consentof the InsurerDefence Costs shall not include overhead or benefitexpenses associated with salaries, wages and fees ofan Insured.2.5InsuredShall mean any natural person who was, is or who becomesduring the Policy Period:a) a director, officer, committee member or trustee of theCompany;b) a shadow director of the Company as defined in S.741(2)of the Companies Act 1985;c) the lawful spouse (which will include same sexrelationships which are recognised by law) of anyInsured where recovery is sought solely because jointproperty is held or owned by or on behalf of the spouse.There is no cover for any Claim that alleges a WrongfulAct by the spouse;d) the legal representatives, heirs, assigns or estates of theabove mentioned in the event of their death, incapacity,insolvency or bankruptcy ;e) an employee of the Company who carries out amanagerial or supervisory function for the Company;f) an employee of the Company who is joined as a party toany action against any person defined in a) to e) above;For the avoidance of any doubt insured shall not includeexternal auditors appointed in accordance with S.384 of theCompanies Act 1985 or any similar or applicable legislationin any other jurisdiction

Bowls and Racquet Club Insurance – Policy 17Section 2 – Directors and Officers Liability2.6Employment Practice LiabilityMeans any actual or alleged:a) Unfair or wrongful dismissal, termination or discharge ofemployment, either actual or constructive;b) harassment;c) discrimination;d) retaliation, including lockouts;e) employment related misrepresentations to an employeeor applicant for employment;f) employment related humiliation, defamation or invasionof privacy;g) wrongful failure to employ or promote;h) wrongful deprivation of career opportunity;i) any other Claim pursuant to the Employment Rights Act1996 relating to any past, present or prospectiveemployee.solely relating to employees of or applicants foremployment with the Company2.7InsurerShall mean Allianz Global Corporate and Specialty AG onbehalf of Allianz Insurance Plc2.8Limit of LiabilityShall mean the amount stated in the Schedule.2.9LossShall mean any sums which an Insured is legally liable topay for a Wrongful Act.Loss includes Defence Costs.Loss shall not include fines, penalties, punitive or exemplarydamages or any damages constituting the multiplication ofa lesser damages sum or, taxes or any matters which are ormay be deemed uninsurable under English Law providedthat Loss shall include any exemplary damages which aninsured may be legally liable to pay in respect of that partof any Wrongful Act which consists of any defamatorypublication.2.10 NotificationMeans written notice of any Claim or circumstances whichmay give rise to a Claim given to the Insurer within thePolicy Period or during the Extended Discovery Period(under Section 4 - Extensions) by an Insured, to the addressspecified in of the Schedule2.11 Not-For-ProfitShall mean an organisation, whether incorporated or not,which is formed solely for charitable, social, community orindustry purposes and not for the purpose of making profitsor gain to its individual members or constituent parts.2.12 Policy PeriodShall mean the period of time specified in the Schedule, orany other period as may be agreed in writing by theCompany and the Insurer.2.13 PollutantsMeans any substance, solid, liquid, gaseous or thermalirritant or contaminant including, but not limited to smoke,vapours, soot, fumes, acids, alkalis, chemicals, air emissions,odour, waste water, oil, oil products, medical waste, asbestosor asbestos products, fungus, mycota or by-products, leador lead containing products and waste materials. Wastematerials include but are not limited to recycled,reconditioned or reclaimed materials.2.14 SecuritiesMeans any of the following issued by the Company:a) Bonds, debentures, evidence of indebtedness, notes,shares, stocks or other equity or debt security: andb) Certificates of interest or participation in, receipts for,warrants or other rights to subscribe to or purchase,voting trust certificates relating to, certificates ofdeposits for, or other documentary evidence of interestin any of the securities referred to (a) above.2.15 SubsidiaryMeans any company as defined by Section 736 of theCompanies Act 1985 or any re-enactment thereof.2.16 Unintentional Non-DisclosureIn the event of non-disclosure or misrepresentation ofinformation to Insurers, the Insurers will waive their rightsto avoid this Policy provided that:a) the Insured are able to establish to the satisfaction ofInsurers that such non-disclosure or misrepresentationwas innocent and free from any fraudulent conduct orintent to deceiveb) where an Insured or the Company should have notifiedduring a Period of Insurance a Claim, circumstancewhich might subsequently give rise to a Claim and thecover to which the Insured or the Company would havebeen entitled was in any way more restrictive than thatprovided at the date of notification Insurers shall onlybe liable to the extent available during such precedingPeriod of Insurancec) where an Insured or the Company has prejudiced thehandling or settlement of any Loss the amount payablein respect of such Loss shall be reduced to such sum asin the Insurers opinion would have been payable in theabsence of such prejudiceInsurers shall not deny payment or indemnity on thegrounds of the breach of Section 6 subject to provisions b)and c) above.

18 Bowls and Racquet Club Insurance – PolicySection 2 – Directors and Officers Liability2.17 Wrongful ActMeans any actual or alleged misrepresentation,misstatement, misleading statement, defamation,negligence, breach of warranty of authority or breach ofduty or any other act by an Insured acting solely in theircapacity as such.Section 3 ExclusionsThe Insurer shall not be liable for Loss on account of any:3.1 Claims arising from, based on, related or attributable to,associated with or alleging the same facts as anyWrongful Acts which are the subject of:-a) any Claims or circumstances notified to any policywhich incepted prior to the inception of this Policy,orb) any proceedings which existed or were pending atthe date stated in Item 5 of the Schedule.3.2 Claims arising from or attributable to any actual oralleged violation of the responsibilities, obligations orduties imposed by any retirement or pension legislationanywhere in the world, including but not limited to theUK Pensions Act 1995 and the Employee RetirementIncome Security Act of 1974 (USA) and anyamendments thereto or any act or omission in thecapacity of a trustee or administrator of any trust fund,pension scheme, profit sharing scheme or employeebenefit scheme or any deficiency in the assets of anysuch trust fund or scheme or any failure to comply withany requirement imposed by any regulator in relation tosuch a trust fund or scheme or any warranty, statementor representation made in relation to any such trustfund or scheme.3.3 Claims arising from or attributable to:a) any act or omission committed with the knowledgethat it was in breach of any statute, contract, dutyor other legal obligation; or recklessness as towhether it was in such breach orb) an Insured gaining any personal profit, remunerationor advantage to which they were not legally entitled.This exclusion shall only apply if the act, omission profit,remuneration or advantage is established by a court,tribunal, or by admission.3.4 Claims arising from bodily injury, sickness, mentalanguish or emotional distress or disturbance, disease ordeath of any person howsoever caused or damage to ordestruction of any tangible property, including loss ofuse thereof except than for emotional distress arisingfrom defamation. and to the extent that in relation toonly this exclusion shall not apply to Claims for or inrespect of mental anguish or emotional distress ordisturbance.3.5 Claims arising from Employment Practice Liability3.6 Claims arising from or attributable to bodily injury,sickness, disease, death, damage to or destruction of anytangible property, including loss of use arising therefromresulting from the hazardous properties of radioactive ornuclear material or of any radioactive or nuclear facility.3.7 Claims arising from or attributable to:a) the actual, alleged or threatened discharge, dispersal,release or escape of Pollutants into or upon land, theatmosphere or any water course or body of water,whether such discharge, dispersal, release or escapeis intentional or accidental; orb) any direction or request to test for, monitor, cleanup, remove, contain, treat, detoxify or neutralisePollutants.This exclusion shall not apply to Defence Costs where theincident(s) giving rise to the Claim occurred within theterritorial jurisdiction of the United Kingdom and theproceedings in respect of the Claim are brought ormaintained entirely within the United Kingdom.The Limit of Liability that the Insurer shall be liable to payin respect of Defence Costs in relation to such a Claim islimited to the amount specified in the Schedule. Thisamount shall be part of and not in addition to theaggregate Limit of Liability of the Insurer.3.8 Claims which are made by or on behalf of or at theinstigation of the Company or by or on behalf of or atthe instigation of any insured except:-a) any Claim bought or maintained by an Insuredwhilst acting solely in their capacity as a generalmember of the Company;b) any Claim brought or maintained by a liquidator,receiver, administrative receiver or the equivalent inany other jurisdiction, either directly or on behalf ofthe Company, without the instigation, assistance orparticipation of any Insured or the Company;c) any Claim brought or maintained by an Insured forcontribution or indemnity if the Claim directlyresults from another Claim covered under thisSection;d) any member derivative action brought by ormaintained on behalf of the Company by any legallyempowered entity or person, which is broughtwithout the solicitation, assistance or participationor co-operation of any Insured.3.9 Claims arising from or attributable to or in consequenceof or in any way involving the sale or offer for sale orallocation of Securities or any shares of any privatecompany or corporation including, but not limited to, aninitial public offering, secondary offering or a privateplacement.

Bowls and Racquet Club Insurance – Policy 19Section 2 – Directors and Officers Liability3.10 Claims alleging, arising out of, based upon orattributable to the Company or an Insured’sperformance of or failure to perform professionalservices for others, or any act, error, or omission relatingthereto.3.11 Claims where legal action or litigation is brought in acourt of law within the United States of America orCanada or where legal action or litigation is brought ina court of law outside those territories to enforce ajudgment in those territories whether by way ofreciprocal agreement or otherwise.3.12 Claims that would otherwise be covered by any type ofCompulsory Insurance.Section 4 Extensions4.1 Extended Discovery Period4.1.1If either the Company or the Insurer fail to renew thisPolicy, for whatever reason other than non-payment ofpremium or following the provisions of Section 8.5Termination / Cancellation, the Company shall have theright to purchase an extended discovery period providedthat:a) written notice of the required extended discoveryperiod option is given to the insurer within 30 daysof the expiry of the Policy Period;b) the cover granted by the extended discovery periodshall only afford protection in respect of WrongfulActs committed or alleged to have been committedprior to the expiry of the Policy Period;c) this Policy is not replaced or succeeded by any otherpolicy affording directors and officers liability cover;d) any Claim made during the Extended DiscoveryPeriod shall be considered made during the PolicyPeriod.4.1.2The offer by the Insurer of renewal terms, conditions,limits of liability or premium different from those of theexpiring policy shall not constitute a refusal to renew.4.1.3Calculation of the additional premium for the extendeddiscovery period is as set out in the Schedule.Section 5 Limit of Liability5.1 The Limit of Liability of the Insurer shall mean the totalaggregate limit of the Insurer’s liability in respect of allLoss and any other sums payable hereunder.5.2 Each of the sub limits shown in the Schedule is anaggregate limit and is part of and not in addition to theoverall Limit of Liability.5.3 The Limit of Liability of the Insured shall mean theamount of Loss in excess of the applicable Deductible.Section 6 Claim Reporting – Condition Precedent6.1 An Insured shall, as a condition precedent to theInsurer’s liability under this Policy, provide Notificationas soon as practicable and in any event within 45 daysafter the date a Claim was first made against an insuredand within the Policy Period or Discovery Period (ifapplicable).Section 7 Defence and Settlement7.1 In respect of any Claim under this Section the Insurerwill pay Defence Costs on behalf of the Insured on an asincurred basis prior to final disposition or adjudication.If at any time a Claim is withdrawn or deemed not to becovered under this Section or is found to be excludedunder this Section then all such Defence Costs must bereturned to the Insurer on demand.7.2 It shall be the duty of the Insured to defend Claims.7.3 Any lawyers or other advisors from whom advice is to betaken shall be approved by the Insurer prior to theirappointment. Such approval shall not be unreasonablywithheld.7.4 The Insured shall not admit liability for or settle anyClaim without the written consent of the Insurer, suchconsent not to be unreasonably withheld. The Insurerwill not be liable for any settlement, agreement orassumed obligation to which it has not consented inwriting.7.5 The Insured shall assert all appropriate defences andcross claims for contribution, indemnity or damages andshall co-operate fully with the Insurer and/or its legalrepresentative in the conduct of the defence.7.6 The Insured shall at its own cost and in a timely fashionprovide all information and assistance reasonablyrequired to allow any Claim to be effectivelyinvestigated, defended and/or resolved.Section 8 General Conditions8.1Automatic AcquisitionIf during the Policy Period the Company acquires, directlyor indirectly through any Subsidiary, a controlling interestin another company then the Company shall provide theInsurer with full information in respect of the said companyand agree to any additional premium and/or amendment tothe provisions requested by the Insurer to obtain coverunder this Section for said company.8.2Subsidiary CoverCoverage with respect to Claims made against an Insuredshall only apply to Wrongful Acts committed or allegedlycommitted after the effective date that a Subsidiarybecame a Subsidiary and prior to the date such Subsidiaryceased to be a Subsidiary8.3AllocationIf an Insured incurs Loss in respect of a Claim whichincludes both covered and non covered matters or which ismade against both covered and non covered parties thenthe Insured and the Insurer shall use their best efforts to

20 Bowls and Racquet Club Insurance – PolicySection 2 – Directors and Officers Liabilityagree upon a fair and proper allocation of the proportion ofthe Loss covered hereunder, having regard to the relativelegal and financial exposures. Only Loss incurred by anInsured and in the case of Defence Costs directlyattributable to the defence of an Insured is coveredhereunder. Loss incurred by or attributable to the defenceof the Company itself is not covered.If an allocation cannot be agreed between the Insured andthe Insurer, then the parties agree that such allocation shallbe determined, having regard to the relative legal andfinancial exposures, by a Queen’s Counsel to be mutuallyagreed upon, or in default of agreement, to be nominatedby the then Chairperson of the Bar Council. Such QC shallact as an expert and not an arbitrator and his or herdetermination shall be based upon the written sub missionsof the parties and will be final and binding on the parties.There shall be no obligation on the QC to provide reasonsunless specifically requested by the Insured and the Insurer.The costs of any reference to expert determination underthis clause shall be borne equally by both the Insuredseeking the determination and the Insurer.8.4Merger / Acquisition ClauseIt is agreed that if the Company is merged, consolidatedwith or acquired by another entity, or entities acting inconcert, who have ownership or controlling interest of 50%or more of the share capital or outstanding securitiesrepresenting the right to vote for the election of boardmembers this Section shall only apply to Wrongful Actscommitted prior to the effective date of such transaction.8.5Termination / Cancellationa) In the event of non-payment of premium the Insurermay cancel this Section by giving 30 days writtennotice to the Company.b) This Section shall terminate at the expiration of thePolicy Period as stated in the Schedule.8.6Liability Exoneration ClauseIf an Insured refuses to consent to any settlementrecommendation by the Insurer and elects to contest theClaim, then the Insurer’s liability for the Claim shall notexceed the amount for which the Claim could have beensettled, including Defence Costs up to the date of theInsurer’s refusal to consent.8.7Other InsuranceThis Section shall apply only in excess of any other validinsurance, other than insurance written as specific excessinsurance over the Limits of Liability provided in this Section.8.8Governing Law and JurisdictionThis Section shall be governed by and construed inaccordance with the laws of England and Wales, theCompany, the Insured and the Insurer agree to submit tothe exclusive jurisdiction of the courts of England andWales.8.9Assignation of PolicyThis Section and any rights hereunder cannot be assignedwithout the written consent of the Insurer.8.10 Severability of ExclusionsFor the purposes of determining the application of theExclusions, no fact pertaining to or knowledge possessed byone insured shall be imputed to any other insured.8.11 Severability of ProposalThe Proposal for this Section shall be construed as aseparate Proposal by each insured. With respect to thedeclarations and statements contained in the Proposal, nostatement in the Proposal or knowledge possessed by anyone Insured shall be imputed to any other Insured for thepurpose of determining the availability of coverage withrespect to Claims against that other insured.8.12 Subrogation and Assignment of RightsIn the event of payment under this Section, the Insurershall be subrogated to all of the Insurer’s rights of recoveryin respect of such payment. In addition, the Insured shallexecute all and any documentation and do any other thingsas may be necessary to enable the Insurer to bring anaction or suit in the name of the Insurer or the Insured. Anyrecovery received shall first be applied against any paymentmade by the Insurer with any balance remaining thereafterbeing remitted to the Insured.8.13 Singular and Plural / Masculine and FeminineAny reference to the singular shall include the plural andvice versa.Any reference to the masculine shall include the feminineand vice versa.8.14 Authorisation of the CompanyThe Company shall act as agent on behalf of the Insured inrespect of all matters of any nature relating to or affectingthis Section. The Insurer shall be entitled to treat theCompany as having such authority for all purposesconnected with this Section.8.15 Contracts (Rights of Third Parties) Act 1999Notwithstanding the provision of the Contracts (Rights ofThird Parties) Act 1999, and for the avoidance of doubt:-a) This Section is not intended to and accordingly does notconfer any enforceable rights upon any third party,whether or not an interest of such third party or partiesis acknowledged by the Insurer.b) The parties to this Section shall be entitled to rescind orvary such without the consent of any third party,whether or not an interest of such third party or partiesis acknowledged by the Insurer.

Bowls and Racquet Club Insurance – Policy 21Section 2 – Directors and Officers Liabilityc) In the event of proceedings by a third party against theInsurer for an enforcement of a term of this Section theInsurer shall have available to it the option of anydefence or set off which would have been available ifthe proceedings had been brought by an insured.Section 9 DeclarationsIt is understood and agreed that the statements anddeclarations made by the Insured and the Company to theInsurer have been relied upon by the Insurer and are thebasis of this Policy and shall be deemed to be incorporatedinto and constitute part of this Policy.

22 Bowls and Racquet Club Insurance – PolicySection 3 – Employers’ LiabilityDefinitions1. InjuryBodily injury, death, disease, illness, mental injury,mental anguish or nervous shock2. Employeea. Any person under a contract of service orapprenticeship with the Insuredb. any of the following persons whilst working for theInsured in connection with the Businessi. any labour master or labour only subcontractoror person supplied by himii. any self-employed person providing labour onlyiii. any trainee or person undergoing workexperienceiv. any voluntary helperv. any person who is borrowed by or hired to theInsured3. BusinessThe Business specified in the Schedule conducted solelyfrom Great Britain, Northern Ireland, the Isle of Man orthe Channel Islands and includinga. the ownership, maintenance and repair of Premisesused in connection therewithb. the provision and management of canteen, social,sports or welfare organisations for the benefit ofEmployees and the ambulance, first aid, fire, medicaland security services of the Insuredc. the execution of private duties by Employees for anypartner, director or senior official of the Insured4. Territorial Limitsa. Great Britain, Northern Ireland, the Isle of Man andthe Channel Islandsb. elsewhere in the world in respect of Injury sustainedby any Employee resident within the territoriesspecified in Definition 4.a. above and caused whilstsuch Employee is temporarily employed outside theseterritories provided that any action for compensationin respect of such Injury is brought in a court of lawwithin the said territories or any other membercountry of the European Union5. Offshore Installationsa. Any installation in the sea or tidal waters which isintended for underwater exploitation of mineralresources or exploration with a view to suchexploitationb. any installation in the sea or tidal waters which isintended for the storage or recovery of gasc. any pipe or system of pipes in the sea or tidal watersd. any installation which is intended to provideaccommodation for persons who work on or fromthe locations specified in Definition 5a, 5b, or5c above.CoverThe Insurer will indemnify the Insured against legal liabilityto pay compensation and claimants’ costs and expenses inrespect of Injury sustained by any Employee arising out ofand in the course of the employment or engagement ofsuch person by the Insured in connection with the Businessand caused within the Territorial Limits during the Periodof Insurance.In addition the Insurer will pay costs and expenses incurredby the Insurer or with the written consent of the Insurer1. in connection with the defence of any claim2. for representation of the Insureda. at any coroner’s inquest or fatal accident inquiry inrespect of deathb. at proceedings in any court of summary jurisdictionor on indictment in any higher court in respect ofany alleged breach of statutory duty resulting inInjurywhich may be the subject of indemnity under this Section.Limit of Indemnity1. The Insurer’s liability for all compensation, costs andexpenses payable (including interest thereon and thecosts of defending a Health and Safety legislationprosecution) in respect of any one claim or series ofclaims arising out of one occurrence shall not exceedthe Limit of Indemnity stated in the Schedule.2. Terrorism inner Limit of IndemnityThe Limit of Indemnity shall not exceed £5,000,000 inrespect of an act of Terrorism.For the purposes of this limitation the Definition of anact of Terrorism is:an act including but not limited to the use of force orviolence and/or threat thereof of any person or group(s)of persons whether acting alone or on behalf of or inconnection with any organisation(s) or government(s)committed for political religious ideological or similarpurposes including the intention to influence anygovernment and/or to put the public or any section ofthe public in fear.If the Insurer alleges that by reason of this limitationany loss damage cost or expense is not covered theburden of proving the contrary shall be uponthe Insured.

Bowls and Racquet Club Insurance – Policy 23Section 3 – Employers’ LiabilityExclusionsThis Section does not cover1. liability in respect of Injury to any Employee arising outof the ownership, possession or use by or on behalf ofthe Insured of any mechanically propelled vehicle ortrailer attached thereto if such liability is required byany road traffic legislation to be the subject ofcompulsory insurance or other security.2. liability in respect of Injury to any Employee who isworking on, visiting or travelling to or fromOffshore Installations.Section ExtensionsThese Section Extensions are subject otherwise to the terms,Exceptions and Conditions of this Policy.1. Indemnity to Other PartiesIf the Insured so request the Insurer will indemnify thefollowing partiesa. any officer or committee member or other member ofthe Insured’s canteen, social, sports or welfareorganisations or ambulance, first aid, fire, medical orsecurity services against liability incurred in suchcapacityb. any partner, director or Employee of the Insuredagainst liability incurred in such capacity and inrespect of which the Insured would have been entitledto indemnity under this Section if the claim had beenmade against the Insuredas though each party was individually named as theInsured in this Sectionc. any principal for whom the Insured have agreed toexecute work under contract or agreement againstliability arising out of the performance of such workby the Insured and in respect of which the Insured arelegally liable and would have been entitled toindemnity under this Section if the claim had beenmade against the InsuredProvided thati. each such party shall observe fulfil and be subjectto the terms and conditions of this Section in sofar as they can applyii. the Insurer’s liability to the Insured and all partiesindemnified shall not exceed in total the Limit ofIndemnity specified in the Schedule.2. Health and Safety at Work – Legal Defence CostsThe Insurer will indemnify the Insured and if the Insured sorequest any partner, director or Employee of the Insured inthe terms of this Section in respect ofa. costs and expenses incurred with the Insurer’swritten consentb. costs and expenses of the prosecution awarded againstany such partyin connection with criminal proceedings or an appealagainst conviction arising from such proceedingsbrought in respect of any offence under the Health andSafety at Work etc. Act 1974 or the Health and Safetyat Work (Northern Ireland) Order 1978 committed oralleged to have been committed during the Period ofInsurance in connection with the BusinessProvided thati. the proceedings relate to the health, safety orwelfare of any Employeeii. the Insurer shall have the conduct and control ofall the said proceedings and appeals.the Insurer will not pay forA. fines or penalties of any kindB. proceedings or appeals in respect of anydeliberate act or omissionC. costs or expenses insured by any other policy.3. Unsatisfied Court JudgementsIf a judgement for compensation or costs in respect ofInjury sustained by any Employee arising out of and in thecourse of employment or engagement by the Insured inconnection with the Business and caused within theTerritorial Limits during the Period of Insurancea. is obtained by such Employee in any court situatedwithin the territories specified in Definition 4.a.against any person or corporate body domiciled oroperating from premises within such territories andb. remains wholly or partly unsatisfied six months afterthe date of such judgementthe Insurer will if the Insured so request pay to the saidEmployee the amount of any such compensation and coststo the extent that they remain unsatisfiedProvided thati. there is no appeal outstandingii. the Employee shall have assigned the judgementto the Insureriii. this Section was shown in the Schedule at thetime of the Injury.4. Court Attendance CompensationIf during the Period of Insurance any partner, director orEmployee of the Insured is required to attend court as awitness at the request of the Insurer in connection with aclaim which is the subject of indemnity under this Sectionthe Insurer will pay compensation to the Insured on thefollowing scale for each day that attendance is required:

24 Bowls and Racquet Club Insurance – PolicySection 3 – Employers’ Liabilitya. any director or partner £500b. any Employee £250.5. Contractual LiabilityIn respect of liability assumed by the Insured by a contractor agreement entered into by the Insured and which wouldnot have attached in the absence of such contract oragreement, the indemnity provided by this Section shallonly apply if the sole conduct and control of any claim isvested in the InsurerProvided that the Insurer shall not in any event provideindemnity in respect of liquidated damages or fines ordamages imposed by or payable under any penalty clause.5. Discharge of LiabilityThe Insurer may pay to the Insured in the event of anyone claim or series of claims arising out of oneoccurrence the specified Limit of Indemnity in respectthereof (after deducting therefrom any sums alreadypaid) or any lesser amount for which the claim(s) can besettled and thereafter be under no further liability inrespect of such claim or series of claims arising out ofone occurrence, except for the amount of any costs andexpenses incurred prior to the date of the payment.Section Conditions1. Compulsory Insurance LegislationThe indemnity granted by this Section is deemed to bein accordance with the provisions of any law relating tocompulsory insurance of liability to Employees in theterritories specified in Definition 4.a. but the Insuredshall repay to the Insurer all sums paid by the Insurerwhich the Insurer would not have been liable to pay butfor the provisions of such law.2. Certificate of Employers’ LiabilityIf this Policy or Section is cancelled any certificate ofEmployers’ Liability insurance issued hereunder issimilarly cancelled from the same date.3. Other InsurancesThe Insurer will not indemnify the Insured in respect ofliability which is insured by or would but for theexistence of this Section be insured by any other policyor section except in respect of any excess beyond theamount payable under such other policy or section orwhich would have been payable under such other policyor section had this Section not been effected.4. AlterationIf at any time anything shall occur or be done whichmaterially affects the risk insured the Insured shall giveimmediate notice in writing to the Insurer.

Bowls and Racquet Club Insurance – Policy 25Claims HandlingIf an accident, loss or damage occurs or any circumstancesarise which may cause a claim to be made:• You should notify your insurance adviser (oralternatively you can contact us at one of our claimshandling offices)• promptly, if an incident occurs that may lead toyou making a claim• immediately, in the event of a serious accident,loss or damage• Please provide as much information as possibleabout the claim, and your policy reference ifavailable• We recommend you check that the accident, loss ordamage is covered by your policy. If you are in anydoubt please consult your insurance adviser• If an employee or someone else is holding youresponsible for injury to them or for damage to theirproperty then you should tell us promptly via yourinsurance adviser, and send any letters, writs orsummons to us unanswered• Our aim is to deal with your claim promptly andfairly. Depending on the type of claim and valueinvolved we may:• forward a claim form for you to completeand sign• appoint an independent Loss Adjuster to dealwith your claim• arrange for one of our Claims staff to visit you• reply to you via your insurance adviser by letteror by telephone.• You should comply with the requirements for claimnotification contained in the policy conditions,which detail your obligations and our rights in theevent of a claim. If you are in any doubt pleaseconsult your insurance adviser• You should carry out any emergency action toprotect your property from further damage (e.g.turning off main services) or to make it waterproofor secure. We will be pleased to provide advice andassistance to find the right person or organisation tohelp you. If you do incur any charges please retainthe bills as these may form part of your claim• If emergency work has been completed on your ownauthority please contact us via your insuranceadviser before permanent repairs begin• Please do not dispose of damaged items before wehave had the opportunity to inspect them• You should report to the Police any loss or damagefrom theft, arson, malicious damage, or riot or civilcommotion and obtain a crime book reference fromthem• Please ensure that your responsibility for injury tosomeone or damage to their property is notdiscussed with or admitted to anyone else

26 Bowls and Racquet Club Insurance – PolicyClaims Handling CentresSection 1 Civil Employers and Section 3 EmployersLiabilityYou can notify a claim by calling 0845 604 9752Claims correspondence should be sent to:Claims DivisionAllianz Insurance plc500 Avebury BoulevardMilton KeynesMK9 2XXSection 2 - Directors and OfficersYou can notify a claim by calling 0844 871 0789Claims correspondence should be sent to:Claims DivisionAllianz Insurance plc500 Avebury BoulevardMilton KeynesMK9 2XX

Bowls and Racquet Club Insurance – Policy 27Complaints ProcedureOur aim is to get it right, first time every time. If we make amistake we will try and put it right promptly.We will always confirm to you the receipt of your complaintwithin five working days and do our best to resolve theproblem within four weeks. If we cannot we will let youknow when an answer may be expected.If we have not resolved the situation within eight weeks wewill provide you with information about the FinancialOmbudsman Service.If your complaint is about Section 2 – Directors and Officersplease contact the Customer Services Team, ClientManagement and Broker RelationsAllianz Global Corporate and Specialty AG27 Leadenhall StreetLondon EC3A 1AATelephone Number 020 7488 1882Using our complaints procedure or referral to the FinancialOmbudsman Service does not affect your legal rights.Should you wish to make a complaint then it should bedirected to the Customer Satisfaction Manager at theAllianz location shown in your policy documentation oralternatively contact the Customer Satisfaction Manager at:Allianz Insurance plc57 Ladymead, Guildford, Surrey GU1 1DBTelephone number: 01483 552438Fax number: 01483 790538Email: acccsm@allianz.co.uk

28 Bowls and Racquet Club Insurance – Policy

Sutton Winson Ltd are authorised and regulated by the Financial Services Authority.No.310883Telephone: 0845 688 9088Fax: 020 8891 3756Email: bowls&racquet@swib.co.ukWeb: www.suttonwinson.comRegistered Office:St James HouseGrosvenor RoadTwickenhamMiddlesex TW1 4AJBowls and Racquet Club Insuranceunderwritten byAllianz Insurance plc and Allianz Global Corporate and Specialty AG57 Ladymead 27 Leadenhall StreetGuildfordLondonSurrey GU1 1DB EC3A 1AAwww.allianz.co.ukAllianz Insurance plc. Registered in England number 84638.Registered Office:57 LadymeadGuildfordSurrey GU1 1DBUnited KingdomAllianz Insurance plc is a member of the Association of British Insurers.Allianz is authorised and regulated by the Financial Services Authority,registration number 121849.This can be checked by visiting the FSA website at www.fsa.gov.uk or bycontacting the FSA on 0845 606 1234ACOMSC246/4 01.11